Personal Health Insurance

An affordable way to protect you and your loved ones from costs not covered by government MSP.

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Why British Columbians choose our Personal Health Insurance


Our plans offer coverage beyond MSP for Dental, Prescription Drugs, Vision, Massage and more.

Save 10%

Only Pacific Blue Cross offers 10% savings when you qualify for a Healthy Blue Living discount.

Virtual Care

Only Pacific Blue Cross provides 24/7, on-demand access to doctors and a care manager.

BC's # 1 Health Benefits Provider

1.4 million British Columbians have health and dental coverage through Pacific Blue Cross

Healthy Retirement

Only Pacific Blue Cross offers a retirement plan with the most coverage, choice and flexibility for British Columbians.

Fast, easy claims

Our free mobile app and online Member Profile process your reimbursement in as little as 24 hours.

Only our plans include free access to virtual health care

Our Personal Health Insurance Plans

Health & Dental

Save 10% on your health and prescription drug plans for living a healthy lifestyle

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Dental Only

Affordable coverage when all you need is dental insurance

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Group Conversion

Uninterrupted coverage when leaving an employer-sponsored group plan

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Guaranteed Acceptance

Automatic approval with no medical questionnaire required

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Flexible retirement plans with the most choice, flexibility and coverage for British Columbians

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Not sure which plan is right for you? Use our Plan Finder to help you decide

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Frequently asked questions

  1. What is Extended Health Care coverage?

    Our provincial government health care plans, MSP and PharmaCare, cover only the basic medical needs such as a visit to your physician or hospital care. Extended health care coverage includes medical services and supplies NOT covered by our provincial health care plans.

  2. Why is it important for me to have Extended Health Care coverage?

    It is important for individuals and families to have access to extended health care over and above the provincial government plans. Pacific Blue Cross offers extended health coverage which provides coverage for prescription drugs, specialized health care, vision care, dental and much more.

  3. When should I buy Extended Health and Dental coverage?

    The ideal time to buy extended health care coverage is when you and/or your family are healthy. Since most extended health care plans exclude coverage for medical conditions you may already have, you need to obtain coverage prior to the occurrence of any future unforeseen accident or sickness.

  4. Who is eligible for this coverage?

    Our Individual Plans are available to all residents of British Columbia and the Yukon provided the resident is enrolled under the Medical Services Plan of BC, or the Health Care Insurance Plan of the Yukon. Coverage will be available for applicants who are awaiting provincial coverage to begin.

    Policyholders must be at least 19 years of age. For people under age 19 who want to apply for coverage under one of our plans, an adult must be designated as the policyholder.

  5. Where and how can I find more information on extended health coverage?

    Pacific Blue Cross has available coverage for health, dental and emergency medical travel. Contact Pacific Blue Cross for more information or to speak with one of our Service Representatives:

    Individual Plans Sales and Support
    Telephone: 604 419 2000
    Fax: 604 419 2199

    Toll-free Outside the Greater Vancouver Area:
    1 800 USE BLUE (1 800 873 2583)

    Mailing Address:
    Pacific Blue Cross
    Individual Plans
    PO Box 7000
    Vancouver, BC V6B 4E1

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